https://wp-api.bajajfinservhealth.in/wp-content/uploads/2022/01/19-1-1903x687.jpg

AAROGYA CARE

How Are Health Insurance Wellness Benefits Useful?

Plans with health insurance wellness benefits provide you with a mentor

This wellness coach provides tips and guidance to lead a healthy lifestyle

You can get huge network discounts on pharmacy bills and lab tests as well

B
Bajaj Finserv Health
January 10th, 2022
7 mins read

In today’s world, busy lifestyles and stressful routines may pose multiple health challenges for you. When you prioritize your health above everything else, you can achieve all your life’s goals with ease. For the same reason, follow a proper wellness regime by following a nutritious diet and maintaining an active lifestyle. But what if you get rewarded for following a healthy lifestyle? Sounds exciting, right! 

As per IRDA’s health regulations, insurance providers have started including wellness benefits in their plans. With the help of these features, you can give priority to your health. There are a lot of incentives you may get when you take a policy. The best part is you get to utilize these health insurance wellness benefits as value-added features in most cases. In such a scenario, you needn’t pay any additional costs for enrolling yourself in these wellness programs [1]. 

Read on to know more about health insurance wellness benefits.

Additional read: Making Preventive Care More Accessible -Bajaj Finserv Health and Bajaj Allianz General Insurance Team Up for a New Launch

Health Insurance Wellness Benefits

What are the kinds of wellness benefits you can get?

Different insurance providers offer various types of wellness programs. In most cases, you get an option of wellness coach. This is a mentor who is assigned to you by the insurance company. This mentor gives you the right instructions on the right kind of diet you should follow. Apart from diet, your mentor provides you with tips on health, nutrition and fitness. They could tell you what type of exercises you need to do and if you are consuming the right proportion of nutrients. A wellness coach helps you in weight management as well. You can get advice from these mentors either through mobile chats or apps. 

When you achieve a specified target as a part of the wellness program, you also get rewards either. These may be points or benefits. A few of these benefits include:

  • Discounts on pharmacy expenses
  • Network discounts at any of hospitals listed with insurance provider
  • Concessions on OPD bills and at diagnostic centers

Another wellness benefit you may get is the redemption of reward points. These points help you lead an active and healthy lifestyle. Some of the activities you can participate in include:

  • Cyclothon
  • Marathon
  • Regular walking
  • Yoga practice
  • Routine workouts

You can enjoy the benefits of these discounts based on the terms and conditions specified in the policy. Using an integrated tracking mechanism, the insurance company is able to monitor all your health-related activities using mobile apps and other digital devices.

Another benefit you may get is expert advice for a specific disease or a surgical procedure. This is like a second opinion. The only thing you need to do here is that inform the insurance provider when you seek a second medical opinion. Fill in the required form along with a copy of investigation report, medical reports and discharge summary, if applicable. This way your insurance provider has a clear understanding of why you require an expert medical opinion. 

Additional read: How Does Leading A Sedentary Lifestyle Affect Your Heart Health?

health benefits for wellness program

What are the advantages of using health insurance wellness benefits?

One of the major advantages of availing these benefits is that they are complimentary. So, you do not need to pay any additional premium for availing these benefits. Moreover, health plans with wellness benefits have lower premiums when compared to policies without benefits.

Availing these plans is mutually beneficial for both the insurance provider and policyholder. When you utilize such wellness benefits, the chances of you making claims are fewer. Since you are leading a healthy lifestyle, you may be less prone to illness or disease. This the insurance company. In case you make recurring claims during a policy year, your insurance provider cannot terminate your plan midway. This is beneficial for you as a policyholder. Moreover, enrolling yourself in these wellness programs modifies your existing lifestyle and helps you stay physically fit and active. They also give you the motivation to lead a healthy lifestyle. 

Why do health insurance companies offer wellness benefits?

Insurance providers include such wellness benefits in their policies so that their plans stand out from the rest of the competitors. Apart from increasing their competitiveness, these plans understand customer requirements. Thus, they enjoy more popularity. Most preventive health checkups form a part of wellness packages. Previously, insurance companies allowed health checkups only once in four years. However, these checkups are now being provided every year. Many organizations have taken initiatives to organize wellness programs for their employees. These steps actually motivate them to lead a healthy lifestyle [2]. 

Why to use these wellness benefits?

Wellness benefits lead you towards a healthier lifestyle. There are various tools you can use so that you meet your health goals. Using fitness apps helps you track your daily steps and calories burnt. These apps send you fitness reports on monthly or weekly basis. You can use apps to monitor your food intake as well. With determination, you can modify your routine by incorporating such small changes. That is exactly why insurance companies are including wellness benefits as a part of their policies.

Since different providers offer unique types of wellness benefits, take care to read and understand your policy documents clearly. Instead of getting carried away just by wellness benefits, have a thorough knowledge of what the insurance provider is actually offering. Do proper research before you finalize any health insurance plan. If you are looking for comprehensive plans with both wellness and illness benefits, you may consider the Complete Health Solution plans on Bajaj Finserv Health. 

There are four different types under this plan, namely, Silver, Platinum, Silver Pro and Platinum Pro. While the Complete Health Solution Silver offers doctor consultation benefits up to Rs.17000, you get up reimbursed up to Rs.12000 on doctor consultations when you avail the Platinum plan. All these plans provide a maximum sum insurance of Rs.10 lakh and cover all your pre- and post-hospitalization expenses. Avail these budget-friendly plans and prioritize your health.

How Are Health Insurance Wellness Benefits Useful?-banner

Related Articles

View All

18 Aarogya Care Benefits that Enhance Your Health Insurance

Aarogya Care

18 Aarogya Care Benefits that Enhance Your Health Insurance

9 mins

Prepaid Health Care: 7 Benefits of Aarogya Care Health Plans

Aarogya Care

Prepaid Health Care: 7 Benefits of Aarogya Care Health Plans

7 mins

6 Reasons to Choose an Aarogya Care Personalized Health Plan

Aarogya Care

6 Reasons to Choose an Aarogya Care Personalized Health Plan

10 mins

Aarogyam A Health Test: 5 Important Things for You to Know

Aarogya Care

Aarogyam A Health Test: 5 Important Things for You to Know

14 mins

9 Major Preventive Health Check up Benefits You Should Know

Aarogya Care

9 Major Preventive Health Check up Benefits You Should Know

7 mins

Trending Articles

View All

Total Iron Binding Capacity Test: 5 Important Things to Know

Health Tests

Total Iron Binding Capacity Test: 5 Important Things to Know

9 mins

National Dengue Day: 3 Things for You to Learn About Dengue

General Health

National Dengue Day: 3 Things for You to Learn About Dengue

7 mins

All About Razor Bumps: 4 Easy Razor Bumps Treatment Options

Skin & Hair

All About Razor Bumps: 4 Easy Razor Bumps Treatment Options

8 mins

Vrikshasana or Tree Pose: 6 Benefits of This Yoga Pose

Yoga & Exercise

Vrikshasana or Tree Pose: 6 Benefits of This Yoga Pose

9 mins

6 Watermelon Seeds Benefits That You Should Keep In Mind

Immunity

6 Watermelon Seeds Benefits That You Should Keep In Mind

7 mins

background-banner
Mobile Frame
Download our app

Download the Bajaj Health App

Stay Up-to-date with Health Trends. Read latest blogs on health and wellness. Know More!

Get the link to download the app

+91
Google PlayApp store

CIN

U85320PN2019PLC185286

Registered Office

Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035

Corporate Address

Phoenix Fountainhead, 4th floor, Nagar Road, Clover Park, Viman Nagar, Pune, Maharashtra - 411014

© 2021, Bajaj Finserv Health Limited.
All rights reserved.